17 Best European P2P Lending Platforms in 2025
Want to invest in loans? Here are the best P2P lending platforms in Europe:
| Return | 14.60% |
| Investors | 19,000 |
| Minimum | €10 |
| Launched | 2022 |
Hive5
Hive5 is the best P2P lending platform in Europe for investors seeking high-yield returns on short-term and BNPL loans. The platform focuses on short-term, high-interest-rate loans with advertised returns of up to 16%. Some of the loans feature “double shield” protection, which includes a 60-day buyback guarantee and additional collateral in the form of GPS tracking devices, providing enhanced security against borrower defaults.
Pros:
- Average returns of around 14.60%.
- Transparent fees (no investor fees).
- Buyback guarantee on all loans.
- Simple and user-friendly auto-invest feature.
- Strong loyalty bonus programs starting from €5,000.
Cons:
- Unregulated P2P lending platform.
- No secondary market for early exit.
- Short operational history (founded in 2022).
- Limited loan originators compared to bigger players.
| Return | 12.00% |
| Investors | 24,000 |
| Minimum | €10 |
| Launched | 2020 |
Esketit
Esketit is one of the best P2P lending platforms in Europe for short-term consumer loans, offering an average return of around 12%. It provides a 60-day buyback guarantee on all loans and a group guarantee on loans from the AvaFin Group, giving investors an additional layer of protection compared to many competitors. With user-friendly auto-invest options, a no-fee secondary market for an early exit, and a minimum investment of just €10, Esketit stands out as a convenient choice for both new and experienced investors.
Pros:
- Average annual returns of around 12% with some loans up to 14%.
- 60-day buyback guarantee and additional group guarantee on AvaFin loans.
- No fees for investors, including on the secondary market.
- Simple and user-friendly auto-invest feature.
- Backed by the Creamfinance Group, which has over 10 years of lending experience.
Cons:
- Unregulated P2P lending platform.
- Limited to Creamfinance-owned loan originators, reducing diversification.
- High minimum investment requirements for loyalty program bonuses.
- Group guarantee does not apply to Jordan loans.
- No dedicated mobile app for on-the-go management.
| Return | 14.83% |
| Investors | 18,000 |
| Minimum | €10 |
| Launched | 2018 |
Debitum Investments
Debitum Investments is the best P2P lending platform in Europe for investors seeking regulated SME loans with competitive returns and a reliable buyback guarantee. It distinguishes itself through its MiFID II license and focus on asset-backed securities, which help diversify risk across multiple loans. The absence of a secondary market remains a key limitation, but the platform’s safety track record, transparent communication, and structured approach to business financing make it a strong choice for investors.
Pros:
- Regulated under the Latvian Financial Supervisory Authority.
- Competitive average return of around 14.83%.
- 90-day buyback guarantee on most loans.
- Auto-invest feature for hands-free investing.
- Clear tax reporting and multilingual support.
Cons:
- No secondary market for liquidity.
- Limited diversification options beyond SME loans.
- Some war-affected funds from Ukraine.
| Return | 12.25% |
| Investors | 500,000 |
| Minimum | €50 |
| Launched | 2014 |
Mintos
Mintos is the largest P2P lending platform in Europe and great for investors looking to diversify across multiple loan types and originators. The platform has built a strong market presence, offering regulated and easily accessible investment options, including its signature Notes structure, fractional bonds, and buyback-backed consumer loans.
Pros:
- Large and diversified loan supply (80+ originators, multiple countries).
- Regulated in Latvia (MiFID II), providing extra investor protection.
- Well-established track record with broad investment tools (auto-invest, secondary market).
- Offers multi-asset products (fractional bonds, ETFs, real estate).
- No fees for standard deposits and withdrawals.
Cons:
- Default recovery can be lengthy (significant funds in “pending” or “in recovery”).
- Buyback obligations depend on originators honoring their commitment.
- Complex risk assessment needed due to varied loan originators.
- Long loan extensions can impact liquidity.
- Taxes are automatically withheld (added paperwork for some investors).
| Return | 14.50% |
| Investors | 4,600 |
| Minimum | €10 |
| Launched | 2023 |
Maclear
Maclear is one of the best P2P lending platforms in Europe for investors seeking high returns on business loans with added security measures. This Swiss-regulated platform stands out due to its Provision Fund, which helps protect both principal and interest, and the absence of tax withholding, providing investors with more liquidity.
Pros:
- Advertised returns of up to 15%, offering competitive yields.
- Provision Fund coverage that helps mitigate default risk.
- Swiss regulation (SRO, under FINMA) providing a layer of trust.
- Secondary market available for improved liquidity.
- No tax is withheld, enabling easier management of earnings.
Cons:
- Limited diversification options for projects.
- Auto-invest feature not yet implemented.
- Lack of transparency regarding the exact size of the Provision Fund.
- Platform is newer, so its long-term stability is still unproven.
| Return | 11.14% |
| Investors | 95,000 |
| Minimum | €10 |
| Launched | 2014 |
PeerBerry
PeerBerry is one of the safest P2P lending platforms in Europe for short-term investing, offering average returns of around 11.14% on consumer, leasing, and real estate loans. It distinguishes itself by providing a 60-day buyback guarantee on all loans, supplemented by a group guarantee when investing in loans from the Aventus Group. With over 95,000 investors, PeerBerry has a user-friendly interface, zero investor fees, and an optional loyalty bonus program for larger investments.
Pros:
- Stable returns of around 11.14%.
- 60-day buyback guarantee and additional group guarantee.
- Safe track record with zero historical capital loss.
- Easy-to-use platform and functional mobile app.
- No fees for deposits, withdrawals, or investing.
Cons:
- No secondary market for early exit.
- Periodic cash drag (idle funds).
- Unregulated platform.
| Return | 13.49% |
| Investors | 4,200 |
| Minimum | €10 |
| Launched | 2022 |
Loanch
Loanch is one of the best P2P lending platforms in Europe for investors seeking high-yield, short-term consumer loans from Asian markets. It offers rates of up to 16.59% and stands out with a unique 30-day buyback guarantee, providing faster default protection compared to competitors that typically have a 60-day guarantee.
Pros:
- Competitive returns averaging around 13.49%.
- All loans include a 30-day buyback guarantee for quicker risk mitigation.
- No investor fees, simplifying net return calculations.
- 1% cashback bonus for new investors during the first 90 days.
- Straightforward interface and automated investing feature.
Cons:
- Limited track record (founded in 2023).
- Only 3 loan originators (Indonesia, Malaysia, Sri Lanka), limiting diversification.
- No secondary market, reducing liquidity options for investors.
| Return | 12.56% |
| Investors | 500 |
| Minimum | €10 |
| Launched | 2023 |
Lonvest
Lonvest is one of the best P2P lending platforms in Europe for investors looking to earn above-average returns through short-term consumer loans. The platform offers a high average return of around 12.56% and provides both buyback and group guarantees, enhancing security for investors. Developed under the umbrella of SpaceCrew Finance, it’s backed by a growing lending group and maintains a user-friendly interface. However, it’s still unregulated, lacks a secondary market, and relies solely on loans from SpaceCrew Finance, limiting diversification.
Pros:
- Competitive returns averaging around 12.56%.
- Strong protection via buyback and group guarantees.
- No investor fees.
- Easy-to-use auto-invest feature.
- Short-term focus helps minimize liquidity concerns.
Cons:
- Unregulated platform with no secondary market for early exits.
- Limited diversification (only SpaceCrew Finance loans).
- Short operational track record.
- Lack of manual investing option.
| Return | 10.00% |
| Investors | 38,000 |
| Minimum | €10 |
| Launched | 2017 |
Robocash
Robocash is one of the best P2P lending platforms in Europe for investors focused on reliable short-term lending and consistent returns. It stands out by offering a 30-day buyback guarantee — quicker than many competitors — and a streamlined secondary market for added liquidity. The platform belongs to a profitable financial group, lending credibility and robustness to its operations.
Pros:
- Average returns around 10% annually.
- 30-day buyback guarantee for quicker payouts.
- Automatic investment tools with customizable settings.
- Low minimum investment starting at €10.
Cons:
- Monthly investment caps may limit larger investors.
- Occasional cash drag on short-duration loans.
- No manual investment option for hands-on investors.
| Return | 9.20% |
| Investors | 50,000 |
| Minimum | €10 |
| Launched | 2016 |
Iuvo Group
Iuvo Group is one of the best P2P lending platforms in Europe for investors who value a more conservative approach. The platform focuses on consumer loans, with average returns around 9.2%. What sets Iuvo Group apart is its high “skin in the game” requirement, which helps align investors’ and loan originators’ interests.
Pros:
- Stable average returns of around 9.2%.
- 60-day buyback guarantee (60-day) on all loans.
- Auto-invest feature for hands-free investing.
- Secondary market available for liquidity.
Cons:
- 1% fee when selling on the secondary market.
- Buyback guarantee doesn’t cover accrued interest.
- Platform is unregulated (like many P2P sites).
- Some suspended loan originators have caused concerns for more risk-averse investors.
| Return | 15.90% |
| Investors | 17,000 |
| Minimum | €10 |
| Launched | 2019 |
Lendermarket
Lendermarket is one of the best P2P lending platforms in Europe for investors seeking high-yield consumer loans with an average return of around 15.90%. The platform is regulated by the Central Bank of Ireland, providing added transparency, and it offers a 60-day buyback guarantee on all loans. Lendermarket also benefits from a group guarantee through the profitable Creditstar Group, which adds an extra layer of confidence for investors.
Pros:
- Competitive returns of around 15.90%.
- 60-day buyback guarantee on all loans.
- Additional group guarantee on loans from Creditstar.
- Easy-to-use auto-invest feature.
- Regulated as a Crowdfunding Service Provider in Ireland.
Cons:
- Frequent loan extensions can lead to long pending payments (up to 240 days).
- No secondary market for early exits.
- Investor liquidity may be limited during extended loan periods.
- Lack of a dedicated mobile app.
| Return | 13.22% |
| Investors | 13,000 |
| Minimum | €100 |
| Launched | 2020 |
HeavyFinance
HeavyFinance is one of the best P2P lending platforms in Europe for investing in secure agricultural loans. It focuses on providing asset-backed financing to small and medium-sized farmers, setting it apart from competitors by offering specialized agricultural investments, transparent audited annual reports, and regulation under the European Crowdfunding Service Providers (ECSP) framework.
Pros:
- Returns of around 12–14%.
- All loans backed by farmland or heavy equipment.
- Auto-invest feature for automated portfolio management.
- Secondary market available for potential early exit.
- Regulated by the Bank of Lithuania for added oversight.
Cons:
- Relatively high LTV ratios on some loans.
- Occasional delays in loan repayments.
- Default rate of around 5% — higher risk for more cautious investors.
- Younger platform with a limited operating history compared to established P2P sites.
| Return | 12.00% |
| Investors | 63,000 |
| Minimum | €1 |
| Launched | 2015 |
TWINO
TWINO is one of the best P2P lending platforms in Europe for investors seeking moderate-risk returns in consumer and real estate loans. TWINO differentiates itself from many competitors by offering both buyback and payment guarantees across most of its loans. These guarantees, combined with user-friendly auto-invest tools and a licensed investment brokerage status in Latvia, help create a relatively secure environment for earning up to around 12% interest.
Pros:
- Moderate-to-high interest rates with buyback/payment guarantees.
- Real estate crowdfunding option (TWINO Ventures) broadens diversification.
- Regulated and supervised by the Central Bank of Latvia.
- No investor fees on deposits, withdrawals, or secondary market transactions.
Cons:
- Limited loan availability can result in cash drag.
- The buyback/payment guarantees depend on loan originators’ financial health.
- Some investors report delays and weaker communication on late repayments.
- Trustpilot reviews indicate concerns about the reliability of the buyback guarantee.
| Return | 11.20% |
| Investors | 8,000 |
| Minimum | €50 |
| Launched | 2019 |
LANDE
LANDE is one of the best P2P lending platforms in Europe for investors seeking a secure way to earn interest on agricultural loans. This Latvian platform focuses on farmland- and machinery-backed financing with an average LTV of around 45%. By offering three-way agreements with reputable grain buyers and insuring most crops, LANDE provides an extra layer of safety for investors. The platform has also secured an ECSP license, reinforcing its commitment to regulatory standards and investor protection.
Pros:
- Potential returns of up to 14% on highly collateralized agricultural loans.
- Low average Loan-to-Value (LTV) reduces risk for investors.
- Transparent and user-friendly, with auto-invest and a secondary market for enhanced liquidity.
- Strong team and growing track record in the agricultural lending niche.
Cons:
- Limited diversification (primarily farms in the Baltics and Romania).
- No buyback guarantee, as these loans are secured by real collateral (land, machinery, or crops).
- Recovery of defaulted assets (e.g., farmland) can be time-consuming.
| Return | 13.78% |
| Investors | 9,000 |
| Minimum | €10 |
| Launched | 2021 |
Income Marketplace
Income Marketplace is one of the best P2P lending platforms in Europe for investors seeking average returns of around 13.78% on loan originator debt. The platform distinguishes itself with a 60-day buyback guarantee, a mandatory junior share for loan originators, and a unique cash flow buffer to enhance security. Investors can also benefit from early buyback options, auto-invest, and a user-friendly mobile app.
Pros:
- Potential returns of 8%-15%.
- Strong protective measures (buyback guarantee, junior shares, cash flow buffer).
- Convenient auto-invest feature and mobile app.
- Early buyback option for selected loan originators.
Cons:
- Unregulated status might concern risk-averse investors.
- No secondary market, limiting liquidity.
- Occasional cash drag if loan supply is low.
- Relatively new platform (launched in 2021) with a short track record.
| Return | 14.20% |
| Investors | 5,700 |
| Minimum | €10 |
| Launched | 2016 |
Swaper
Swaper is one of the best P2P lending platforms in Europe for short-term investors seeking competitive returns of around 14%. The platform offers a 60-day buyback guarantee and rewards larger portfolios with an additional 2% interest for investments of €25,000 or more. It primarily focuses on consumer loans from Wandoo Finance Group, providing better control of lending quality but limiting loan diversity compared to competitors.
Pros:
- Above-average interest rates (14%–16%)
- 60-day buyback guarantee on all loans.
- Straightforward auto-invest feature and mobile app.
- Loyalty bonus program for high-net-worth investors (≥€25,000)
Cons:
- Only one loan originator (Wandoo Finance).
- Frequent cash drag can reduce effective yields.
- Unregulated platform status may increase perceived risk.
- Limited geographic diversification of loans.
| Return | 11.00% |
| Investors | 42,000 |
| Minimum | €50 |
| Launched | 2016 |
VIAINVEST
VIAINVEST is one of the best P2P lending platforms in Europe for investors seeking moderate returns and a relatively user-friendly experience. The platform, backed by VIA SMS Group, offers consumer loans with an average yield around 10–13% and includes a buyback guarantee on loans.
Pros:
- Licensed and regulated in Latvia, contributing to investor confidence.
- Straightforward auto-invest feature for hands-off investing.
- Mostly short-term loans with decent interest rates.
- Minimal cash drag, helping maintain advertised returns.
Cons:
- No secondary market, limiting liquidity.
- High share of non-performing loans, requiring reliance on the buyback guarantee.
- Must wait 120 days to initiate a manual early buyback option.
What is a P2P lending platform?
A P2P lending platform is an online marketplace that connects people who want to borrow money with those who want to lend it.
Find the best P2P lending platforms for investors
Are you looking to invest in P2P lending? Then you have arrived at the right place. Here at P2PPlatforms.com we do nothing but test and review various Peer-to-Peer lending companies in Europe.
To find the best P2P lending platform for investors in Europe, simply follow the step-by-step guide below. This should make you more prepared well to choose the best P2P website for you to invest with:
1. Decide which type of P2P platform you want to use
Peer-to-Peer investment platforms are far from similar. There are several different types of European crowdfunding platforms, you should consider.
P2P lending platforms
P2P lending, also known as lending-based crowdfunding, is where it all began. Here the idea is that a group of investors is joining forces to invest in loans for, among other things, private individuals. As a result, borrowers typically get a faster and/or easier way to get a loan. In return, investors get a return on their investments.
P2P lending can be done to individuals, companies, and real estate projects.
One of the most popular P2P lending platforms in Europe is Mintos.
Equity crowdfunding platforms
Equity crowdfunding platforms work very much like P2P lending platforms. But instead of lending money to people, you invest more directly in a share of, for example, real estate.
Due to the fact that you will own part of what you invest in, crowdfunding does not work for individuals. The typical form of crowdfunding is in real estate – hence the name real estate crowdfunding.
2. Compare Peer-to-Peer lending sites in Europe
At the top of this page, we have created an overview that makes it easy to compare P2P websites in Europe. We recommend that you use the overview to give you an insight into some of the Peer-to-Peer investment opportunities you have. You can compare P2P platforms in Europe based on the following factors:
- Average investment return
- Availability of the platform
- P2P lending platform age
- Types of loans on the platform
- Minimum investment
- P2P lending apps
- Key features
We recommend that you initially select 3-5 crowdlending platforms that you want to take a closer look at.
3. Read our P2P lending platform reviews
If you now have a handful of platforms to choose from, you can easily learn more about the platforms in our Peer-to-Peer lending reviews. You can find links to the reviews by individual providers in the overview.
In the reviews, you can read more about the concept and much more:
- Pros and cons
- How safe the company is
- Who can invest in the platform
- What alternatives you can consider
- Other people’s opinion
4. Choose your P2P investment platform
When you are done comparing the Peer-to-Peer lending platforms and have read some reviews, then it’s time to choose the best P2P lending platform for you.
If you want to invest a lot of money, then it may actually be a good idea to choose multiple online money lending platforms to minimize your platform risk. But if you with a smaller amount of money and just want to try and see if Peer-to-Peer investing is something for you, then you can also go with just one platform.
Whenever you’re ready to use our peer-to-peer lending comparison area, simply press the button below to get there. There you will be able to find some of the best companies in the P2P finance industry, and maybe even get started with P2P investing today.
What are the biggest P2P lending platforms in Europe?
Mintos is the largest peer-to-peer (P2P) lending platform in Europe, with a total loan volume exceeding €10.9 billion. The platform was launched in 2014 and is known for its wide selection of loan originators, diverse range of investment opportunities, and large investor community with over 500,000 investors.
Top 10 largest P2P lending platforms in Europe:
- Mintos
- PeerBerry
- TWINO
- Robocash
- Swaper
- Esketit
- VIAINVEST
- Lendermarket
- FinBee
- Income Marketplace
Even though these are the biggest P2P lending platforms measured by total funding volume, they are not necessarily the best peer-to-peer lending platforms for investors. This is due to the fact that the biggest is not always the best.
Invest safely on peer-to-peer lending platforms in Europe
If you have never invested in P2P lending before, read on here. Here we outline some of the typical fall groups that may be associated with investing in P2P investment platforms. With this, we hope to give you a better idea of how to invest in Peer-to-Peer lending.
1. Only invest what you can afford to lose
When it comes to investing in general, it is important that you invest only what you can actually afford to lose. While investing through various international Peer-to-Peer lending platforms can yield a high return, no investment is without risk. As an example, a seemingly successful lending platform you invest with can potentially end up going bust.
2. Invest through multiple P2P lending platforms in Europe
If you invest a substantial portion of your money in Peer-to-Peer investments, then you should seriously consider doing so through multiple digital lending platforms. This is because the global lending platforms in themselves impose a risk to you as an investor.
For example, in 2019, the platform Lendy collapsed, which meant many investors lost a part of their initial investments.
The best way to safeguard against such kind of platform risk is to invest through several different consumer lending platforms.
3. Do not overinvest in one P2P loan
Whatever you do, don’t put all your eggs in one basket. That saying also goes with investments in Peer-to-Peer loans. At times, the loans go into default, which means you risk losing your money – even if the loan has a buyback guarantee.
When you invest in loans, it is a good idea to invest in many different loans rather than just investing in one. At some Peer-to-Peer lending sites, you can invest very small amounts per loan. Doing so will minimize your risk against the individual P2P loan.
4. A buyback guarantee is only as solid as the one behind it
Buyback guarantees are a very popular selling point for the many different Peer-to-Peer lending companies. And as long as those who promise you to buy the investment from you in case it goes down are solvent, well then it is also a pretty good deal. However, should the online lending platform or loan originator not be able to pay the buyback guarantee, you risk losing your entire investment. So always bear in mind that a buyback guarantee is only as solid as the one behind it – which usually is the P2P lending platform or the lending company itself.